The Last Book in the New York Times Bestselling Dark Romance Series. Where love tries to triumph and darkness continues to reign....

"I'm in love with her, but it might not be enough to stop her from becoming the latest victim of the Debt Inheritance. I know who I am now. I know what I must do. We will be together--I just hope it's on Earth rather than in heaven."It all comes down to this.

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Editorial Reviews

Review

"Final Debt is a masterpiece, the perfect compilation to the amazing Indebted series. I couldn't put it down until I finished the final word!" ~Aleatha Romig New York Times and USA Today bestselling author.

Spectacular, phenomenal and outstanding are words that just don't seem enough when it comes to describing this work of art, because that's exactly what this was for me... a work of art. 5 Stars--Hopeless Romantic Book Blog

From the Author

OTHER WORK BY PEPPER WINTERS

Pepper Winters is a New York Times, Wall Street Journal, and USA Today International Bestseller.

Her Dark Romance books include:Monsters in the Dark TrilogyTears of Tess (Monsters in the Dark #1)Quintessentially Q (Monsters in the Dark #2)Twisted Together (Monsters in the Dark #3)

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I am writing this review with hesitation and even wondering why I bother; clearly I am in the minority of the remaining fans reading the last installment of Indebted. All those who give this book five stars must have been reading a different alternative book that the one downloaded in my kindle, there is nothing in final debt that "wrapped everything in a nice bow" except lots of useless sex, random chapters with no purpose and so many loose ends one wonders if the author lost track of what and who she was writing about.

It's hard for me to write this review because I really really wanted redemption after book five. Ms. Winters has in the past shown she has talent, storytelling ability and capability. Hoping and wishing against all odds that maybe just maybe book five was the exception not the rule of what Indebted series was to be became an awesome concept that couldn't be executed and fell flat.

I don't hate book six as I did book five, but the idea that this is one of the best dark books or series ever written is unconscionable. Internal inconsistencies among the books and story line and the inability of the story teller to keep track of the plot line and characters and know who did what and how things happened make it impossible to take anything said in the last two books and epilogue seriously (and yes I am a chump I even bought the epilogue).

Like the last seasons of many TV programs like those of Dallas, Ally McBeal and True Blood (who jump the shark before their last season) it's like this story exploded, plot disintegrated and editing didn't exist. Which is kind of scary that Ms. Winters thanks those who give her feedback, when clearly those who do are either not reading what she writes or are as confused as to what is happening that they rather ignore it and not tell her. Makes you wonder if the saying tell me who you hang around with and it tells me who you are is not just fantasy but reality.

There are so many inconsistencies in this book that even if you bite on the suspended reality of the Indebted universe that contemporary universe make no sense and has no correlation to the supposedly contemporary world that it exist in. I would be writing days on end of all that went wrong, but here are some of the major flaws in this story. SPOILERS AHEAD:

1. Emma Weaver wins the bad mother of the century award. She looks at the three babies she has as a teenager and decided by looking at them Nila will be the one who ends debt inheritance. How did this happen? Ms. Winters never explains why Emma who when she had the triplets and give the oldest in adoption knew she was going to be taken (maybe she was a witch and had the sight?) and did nothing. So did she know she was going to be taken or didn't she. It cannot be both sorry even if this story it’s all about “emotion” not logic. Oh and let's not forget the Weaver who seem tstl anyway were able to hide this from the all-powerful Hawks. Yeah right—oh and just to make sure to put the nail of the coffin to make sure she is crowned she writes Nila a letter. Really?????

2. After Daniel supposedly rapes Nila, Cut without talking to Daniel, watching a tape or witness takes Nila's word that Daniel finished the third debt. This is the man who runs an empire? Really how is this consistent with "everything needs to be documented"? So we are to believe Cut just leaves Africa and doesn't search for his heir. We truly are in Never Ever Neverland.

3. So we are also supposed to believe that the all-powerful Hawks who “are not afraid of anything” (they even have a big vault that holds documents of every single atrocity committed and with lots of evidence) but they cannot figure a way to import their diamonds from their mine. Another one for the "I must be too dumb scenario" to believe a family who has everyone in their pocket (including the Prime Minister and Crown) smuggles personally their merchandise. Completely without sense except to why not add another 5 chapters to an already confusing mess.

4. So did child protective services/social service (or whatever they are called in England in the 21st century) ever wonder why Jaz was paralyzed? Of course not the Hawks just could do anything and are untouchable, but couldn't figure out Jethro wasn't killed or that there was a third Weaver. Yes and this all makes sense because they are so powerful they don't dispose of bodies either.

5. And why did everyone die a convenient death. Really? Daniel injured and killed by Nila and then eaten by lion (no evidence of course conveniently for all), Bonnie expired just when she needed to die and naturally to boot because who really wants to kill the spawn from hell; but she is 90 after all, and then Cut, expires too. Oh and all of the sudden Bonnie was “married into the family” instead of as said by the author on her Facebook page at one point “Bonnie didn’t marry into the family she is an original Hawk she IS the family.” Now I gather this is another one of those emotion things—oh and let us not forget at some point she was referred as Bonnie Weaver. Let us not worry our pretty little heads about this.

6. And the book that was supposed to wrap it all up just leaves us with the question what was the whole purpose of the debts again? It was told so many ways and in such different scenarios, that at the end I could not figure out if anyone knew what the hell happened. And probably the author forgot too, what the debts and purpose are. But let's not forget endless amount of words are spent explaining why the Weavers "must sign a contract and accept their fate" of course this is enforceable by who knows whom (clearly not a court of law or country in which the Hawks have to smuggle goods into) of course this somewhere that exists in the Indebted la la land and even there it makes no sense.

The one good thing about this book (aside of the series ending) is that Nila finally stopped whining, being a space mat and spouting in her head and became somewhat a more likable character (wanting to keep the collar on aside (epilogue) which is creepy psyhco and just icky) she finally did something. Which is why I'm giving the book two stars instead of one.

I did have to mention that while I loved the premise and are not oppose to suspended reality each book the suspension increased (here are a few examples) making it into the incredible disbelief land that nowhere resembles any modern universe in the 21st century (and as a reviewer pointed out in book five that is probably why all people who know the difference between its’ and it’s; there, they're, and their; fantasy and fiction; too, two, and to; and no and know stopped reading ages ago)-

Book one--

Queen versus King (who signed it)—just a mistake is the explanation I will bite it happensWas the debt signed in the 1400 or the 1600 (details details who cares right it’s all about the story)Milan is in Spain in this alternative EuropeNila has a cellphone but instead of calling the police she is texting Kite and her brother

Book two--

Generally okay except she still had a phone, never called for true help makes you wonder why didn’t she video something and you tube it, Instagram or twitter it.This evidence gathering. Really they are criminals and record everything?Oh and after running naked for her life she gave him oral sex. Yep just what a women fighting for her life who has no sexual experience will do with gusto.And she is not a masochist but they have sex after he draws blood by whipping her 21 times. Yep.

Book three- when it started to get shaky..

The third debt in the chair and the drowning. So they drown her, she dies several times and then she has sex under the warm water a couple of hours later.And then while beautifully written it's never really certain or clear who has the power to do what or what happens under the “magical document” if the Hawk doesn’t complete the “debts.”And then the visit to the graves—so was it a grandmother or great grandmother? (And yes it makes a difference because of the age and the who would have been involved in the debts—but since it’s all about emotion who cares right). But I gather if you call a pear a zucchini it doesn’t matter because it’s healthy to eat them and those who dare to point out the difference are just too critical, negative and mean.Why are the markings important? Oh yes the Hawks need to make sure to follow protocol (Sometimes? Maybe? Who knows? Or cares at the end as long as there is sex) but more evidence is important to collect.

Book four-

So Nila leaves right and does nothing. Again doesn't take precautions, doesn’t contact the police, doesn't help her brother, doesn’t plan for the eventuality they will take her again and doesn't get a tracker to make sure they can find her.And NO ONE can take the collar off (we can operate with robots on a heart without leaving scars reattach limbs but no one can figure out the collar made in medieval times). Really NO ONE! Maybe they can find a jewel thief or cut the damn diamonds and sell them. Or better yet collect the evidence against the Hawks.They couldn't figure out how to dock the tape really to make it more believable? I mean nowadays kids can use iPhone and create presentations. But here they had to use the old tape. Stupidest thing ever Augh!!! and the good guys fell asleep. Just what one who is running for their life does.

Book five-

Explanation of why they are powerful makes no sense (book six they still have to smuggle their diamonds so how powerful can they be they cannot even bribe English customs)Completely misunderstanding of legal system, monarchy and democracy for no particular plot reason (setting aside the fact legal law firms as described in the book didn’t exist till the 1800)Historically inaccurate with no attempt to understand geography or when diamonds were discovered, who discovered them or what country controlled themPremise of how Hawks became powerful never truly explained just more useless words and lots of relatives that were all meshed together in a big pot with different names at random timesJethro having sex with Nila again after she is tortured, fixing her hair because that broke her and then leaving her (this is never explained—OH YES—it’s the Will cannot let that one stand)This is Jethro’s awesome plan.Don’t even get me started on the nonsense of the "Will."

Book six-

See above.

So at the end of the day what was an opportunity to create a wonderful A story that would be immortal became a comedy of errors worse than a D movie, however, all is easily accepted by those who like the “words” just because and thus a contemporary modern dark read doesn’t reflect any reality or connection to the 21st English or Italian or African countryside it’s supposed to happen in. Makes you wonder if all of this had been avoided if it happened in an alternative universe and why if emotion was supposed to be the driving force not just place it there instead of creating this mess. And while writers and artists deserve our upmost respect so do the readers deserve to be treated as if they can read and think.

Pepper Winters absolutely shredded me in this final book. Nila and Jethro have both dealt with so much at the hands of the Hawk's. I was torn at feeling joy at some characters getting what I felt they deserved while feeling sympathy for them at the same time when it's brought to light what circumstances brought them to point of who they were. I choked on tears at the final test of strength Jethro has to endure to finally find happiness for himself and Nila. Pepper Winters yanks you into each and every book in this series and makes you "feel". This is a series that I will always remember.

I did really like the Indebted Series but I just felt that it was too drawn out. I may not have felt that way had I waited for all of the books to be released but I didn't realize that I started reading before they were all released so it seemed to drag out a bit to me.

Pepper Winters delivered an amazing series! This was definitely an emotional ride from beginning to end. If you enjoy books that make you bite your nails, hold your breath and turn the page because you can't wait to see what happens next??? This is the book/series for you. Amazing storytelling the whole way through. 😊❤️📚

While this was worth the wait. I have had it for awhile but I was surprised that it wasn't any narratives at first. Good thing I waited. These books was awesome. Very interesting and I'm really glad I didn't believe the bad reviews. Thanks . I look forward to reading more of your series.

Pepper Winters never fails to surprise me especially with the Indebted Series. Just when you think you know what is coming next, you discover just how wrong you are. I never could have guessed any of it.The series was not something I was able to sit down and read non-stop. I found myself taking breaks to calm down before I could pick up my Kindle again. I often found myself wishing I could jump through the book and take care of Bonnie, Cut, and Daniel myself. I hated them that badly.I am glad that the series has come to an end and Hawk and Nila have conquered the unimaginable to be together. I'm not sure I could take much more suspense and heartache.***** SPOLIER******I thought Bonnie shouldn't have gotten off so easily in the end. She should have been the last to go and in a manner similar to Cut even if only psychological pain rather than physical (more than just what Nila told her at the end). I'm not sure I liked Kestral's ending either.